Terms of Service

By accessing or using the Vestup platform ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Service.

Vestup is a digital investment platform registered in Nigeria. Our services are subject to Nigerian law, including regulations issued by the Securities and Exchange Commission (SEC) of Nigeria and the Central Bank of Nigeria (CBN).

To use Vestup, you must:

• Be at least 18 years of age
• Be a Nigerian resident or citizen, or be legally permitted to invest in Nigerian financial instruments
• Provide accurate, complete, and current information during registration
• Complete our Know Your Customer (KYC) verification process

Vestup offers fixed-income investment plans with defined tenors and projected returns. Key points:

• Returns are projected based on underlying asset performance and are not guaranteed unless explicitly stated
• Investments are subject to market, liquidity, and regulatory risks
• Minimum investment amounts apply per plan
• Early withdrawal may incur penalties as specified per plan
• Investment proceeds are credited to your Vestup wallet upon maturity

Deposits are made via bank transfer to designated Vestup accounts. Funds are credited to your wallet upon confirmation by our team, typically within 30 minutes.

Withdrawals are processed to your registered Nigerian bank account within 1–3 business days. Vestup reserves the right to request documentation before processing withdrawals above certain thresholds, in compliance with AML/CFT regulations.

We are required by Nigerian law to verify the identity of all users. You must provide your Bank Verification Number (BVN) and National Identification Number (NIN). Failure to complete KYC may result in restricted access to investment and withdrawal features.

We use Prembly (formerly Identitypass) to verify identity documents. By submitting your details, you consent to this verification.

Vestup does not charge fees on deposits or basic account operations. A 2% referral commission is paid from Vestup's revenue, not deducted from referred users' investments. We reserve the right to introduce or modify fees with 30 days' notice.

Users who refer new investors earn a 2% commission on the referred user's first investment. Commissions are credited to your wallet upon confirmation. Vestup reserves the right to modify or terminate the referral programme at any time. Abuse of the referral system (e.g., self-referrals, fake accounts) will result in account suspension.

You are responsible for maintaining the confidentiality of your account credentials and transaction PIN. Vestup will never ask for your password via email or phone. Notify us immediately at hello@vestup.com.ng if you suspect unauthorised access to your account.

You must not use Vestup to:

• Launder money or finance illegal activities
• Provide false identity information
• Access the platform using automated means or bots
• Attempt to reverse-engineer or compromise our systems
• Create multiple accounts for the same individual

Vestup is not liable for losses arising from market movements, force majeure events, or user error. Our total liability to you in any circumstance shall not exceed the amount you have invested on the platform in the preceding 12 months.

We may suspend or terminate your account at any time for breach of these Terms, suspicious activity, or regulatory requirement. Upon termination, your uninvested wallet balance will be returned to your registered bank account after deducting any outstanding obligations.

These Terms are governed by the laws of the Federal Republic of Nigeria. Any disputes shall be subject to the exclusive jurisdiction of the courts of Lagos State, Nigeria.

For questions about these Terms, contact us at legal@vestup.ng or write to us at Vestup Financial Services, Lagos, Nigeria.